WO2009089471A3 - System and method for financial transaction validation - Google Patents

System and method for financial transaction validation Download PDF

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Publication number
WO2009089471A3
WO2009089471A3 PCT/US2009/030627 US2009030627W WO2009089471A3 WO 2009089471 A3 WO2009089471 A3 WO 2009089471A3 US 2009030627 W US2009030627 W US 2009030627W WO 2009089471 A3 WO2009089471 A3 WO 2009089471A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
document
data
information item
financial transaction
Prior art date
Application number
PCT/US2009/030627
Other languages
French (fr)
Other versions
WO2009089471A2 (en
Inventor
Paul F Doyle
Original Assignee
Paul F Doyle
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Paul F Doyle filed Critical Paul F Doyle
Priority to EP09701458A priority Critical patent/EP2250617A4/en
Publication of WO2009089471A2 publication Critical patent/WO2009089471A2/en
Publication of WO2009089471A3 publication Critical patent/WO2009089471A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0603—Catalogue ordering
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3236—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2135—Metering
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • General Health & Medical Sciences (AREA)
  • Signal Processing (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A system and method for identifying and validating indicia representative of at least one of a document and a transaction and a set of data by an originating party involves at least one of a document and a transaction and a set of data having at least one information item original to the at least one of a document and a transaction and a set of data. An identifier representative of the at least one information item original to the at least one of a document and a transaction and a set of data is generated. The integrity of the integrity of the at least one of a document and a transaction and a set of data is validated by using the identifier to determine whether at least one information item of the at least one of a document and a transaction and a set of data has not been altered from the at least one information item original to the at least one of a document and a transaction and a set of data.
PCT/US2009/030627 2008-01-11 2009-01-09 System and method for financial transaction validation WO2009089471A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP09701458A EP2250617A4 (en) 2008-01-11 2009-01-09 System and method for financial transaction validation

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US2042008P 2008-01-11 2008-01-11
US61/020,420 2008-01-11

Publications (2)

Publication Number Publication Date
WO2009089471A2 WO2009089471A2 (en) 2009-07-16
WO2009089471A3 true WO2009089471A3 (en) 2009-09-17

Family

ID=40851510

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/030627 WO2009089471A2 (en) 2008-01-11 2009-01-09 System and method for financial transaction validation

Country Status (3)

Country Link
US (2) US10410214B2 (en)
EP (1) EP2250617A4 (en)
WO (1) WO2009089471A2 (en)

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US9852406B2 (en) 2012-01-17 2017-12-26 Deluxe Small Business Sales, Inc. System and method for managing financial transactions based on electronic check data
US10410214B2 (en) 2008-01-11 2019-09-10 Deluxe Small Business Sales, Inc. System and method for financial transaction validation
US11222313B2 (en) 2008-01-11 2022-01-11 Deluxe Small Business Sales, Inc. System and method for managing financial transactions based on electronic check data
KR101753572B1 (en) * 2008-10-14 2017-07-04 코닌클리케 필립스 엔.브이. Content item identifier
US8655783B1 (en) * 2009-03-23 2014-02-18 Yodlee, Inc. Check printing instructions in ACH transactions
WO2011020178A1 (en) * 2009-08-17 2011-02-24 Thomas Matthew Mann Gibson Method, system and computer program for generating authenticated documents
EP2613287B1 (en) * 2012-01-04 2017-12-06 Barclays Bank PLC Computer system and method for initiating payments based on cheques
US11023968B2 (en) * 2015-03-05 2021-06-01 Goldman Sachs & Co. LLC Systems and methods for updating a distributed ledger based on partial validations of transactions
US11635994B2 (en) 2015-10-28 2023-04-25 Qomplx, Inc. System and method for optimizing and load balancing of applications using distributed computer clusters
US11055601B2 (en) 2015-10-28 2021-07-06 Qomplx, Inc. System and methods for creation of learning agents in simulated environments
US12058178B2 (en) 2015-10-28 2024-08-06 Qomplx Llc Privilege assurance of enterprise computer network environments using logon session tracking and logging
US12107895B2 (en) 2015-10-28 2024-10-01 Qomplx Llc Privilege assurance of enterprise computer network environments using attack path detection and prediction
US11055630B2 (en) 2015-10-28 2021-07-06 Qomplx, Inc. Multitemporal data analysis
US11032323B2 (en) 2015-10-28 2021-06-08 Qomplx, Inc. Parametric analysis of integrated operational technology systems and information technology systems
US11968235B2 (en) 2015-10-28 2024-04-23 Qomplx Llc System and method for cybersecurity analysis and protection using distributed systems
US11757920B2 (en) 2015-10-28 2023-09-12 Qomplx, Inc. User and entity behavioral analysis with network topology enhancements
US12041091B2 (en) 2015-10-28 2024-07-16 Qomplx Llc System and methods for automated internet- scale web application vulnerability scanning and enhanced security profiling
US12113831B2 (en) 2015-10-28 2024-10-08 Qomplx Llc Privilege assurance of enterprise computer network environments using lateral movement detection and prevention
US11757849B2 (en) 2015-10-28 2023-09-12 Qomplx, Inc. Detecting and mitigating forged authentication object attacks in multi-cloud environments
US11055451B2 (en) 2015-10-28 2021-07-06 Qomplx, Inc. System and methods for multi-language abstract model creation for digital environment simulations
US10681074B2 (en) 2015-10-28 2020-06-09 Qomplx, Inc. System and method for comprehensive data loss prevention and compliance management
US11089045B2 (en) 2015-10-28 2021-08-10 Qomplx, Inc. User and entity behavioral analysis with network topology enhancements
US11552968B2 (en) 2015-10-28 2023-01-10 Qomplx, Inc. System and methods for detecting and mitigating golden SAML attacks against federated services
US11570209B2 (en) 2015-10-28 2023-01-31 Qomplx, Inc. Detecting and mitigating attacks using forged authentication objects within a domain
US11570204B2 (en) 2015-10-28 2023-01-31 Qomplx, Inc. Detecting and mitigating golden ticket attacks within a domain
US11005824B2 (en) * 2015-10-28 2021-05-11 Qomplx, Inc. Detecting and mitigating forged authentication object attacks using an advanced cyber decision platform
US10114854B2 (en) 2015-11-17 2018-10-30 International Business Machines Corporation Validation rule management across entities
CN109074580B (en) * 2016-02-23 2022-09-30 区块链控股有限公司 Method and system for secure transfer of entities over a blockchain
US11934393B2 (en) * 2021-01-12 2024-03-19 Sap Se Input validation API using machine learning and database input validation framework

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See also references of EP2250617A4 *

Also Published As

Publication number Publication date
US20090182672A1 (en) 2009-07-16
US10410214B2 (en) 2019-09-10
US20200134619A1 (en) 2020-04-30
WO2009089471A2 (en) 2009-07-16
EP2250617A2 (en) 2010-11-17
EP2250617A4 (en) 2012-09-19

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